A

Unum Life Insurance Company Of America complaints

Across the state records we hold, Unum Life Insurance Company Of America recorded 4 confirmed complaints against 6,496,891 policies in force — a complaint index of 0.20, about 80% below what its share of the market predicts.

Better than 95% of the 94 companies large enough to grade this period.

By type of insurance

Coverage Grade Complaint index Complaints Business written
Health insurance B
0.21 79% below market raw 0.07
4 4,546,750
Life & annuity
0.88 12% below market raw 0.00
0 1,950,141
All lines A
0.20 80% below market raw 0.07
4 6,496,891

What people complain about Unum Life Insurance Company Of America for

Reasons as recorded by the regulator on complaints it confirmed. A complaint is "confirmed" when the department found the company was at fault — not merely that someone was unhappy.

Cust Service Claim Handling; Delays (Claims Handling) 3
Delays (Claims Handling); Unsatisfactory Settle/Offer 2
Denial Of Claim; Refund Of Premium 1
Denial Of Claim 1
Delays (Claims Handling); Medical Necessity 1
Delays (Claims Handling); Denial Of Claim; Unsatisfactory Settle/Offer 1
Delays (Claims Handling); Denial Of Claim; Refund Of Premium; Unsatisfactory Settle/Offer 1
Delays (Claims Handling); Denial Of Claim; Misrepresentation; Refund Of Premium; Unsatisfactory Settle/Offer 1

Unum Life Insurance Company Of America state by state

Insurance is regulated state by state, and a company's record can differ sharply between them. Each grade below is relative to that state's own market.

State Grade Complaint index Complaints Most common reason
Texas A
0.20 80% below market raw 0.07
4 Cust Service Claim Handling; Delays (Claims Handling)

How to file a complaint against Unum Life Insurance Company Of America

Complaints are filed with your state department of insurance, not with us and not with the company. It is free, it is handled by a regulator with authority over the insurer's licence, and a complaint the department confirms is exactly what produces the numbers on this page next year.

Find your state's complaint form →

Licensed companies included in these figures

Published so the grouping can be checked. NAIC codes are the identifiers regulators use, and are the basis on which these entities were matched.

Where these figures come from

Figures cover 2023–2025. Grades are rebuilt when regulators publish new files.